On the stock market since 2007, it operates in the world of money and finance. It has 958 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 16% a year over the last 4 years. Every year shown ended in profit.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades below its recent peak — about 11% off the top. A pullback, not a collapse.
Over the last 3 years, sales grew about 22% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $1.13 per share each year — regular cash for whoever holds the stock.
The company’s market value is 56 times its annual profit. Even a small disappointment could hit the price hard.
The stock trades 17% above the average analyst price target.
On our five-subject report card, TFSL sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: TFSL is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.